Phew, got insured!

[parttimer]

I decided since I really want to start pushing for work it was time to get some insurance. I called my current State Farm agent and gave her the rundown. At first I was just going to say i only worked from home and didn't do drop/off pickup but after I found the difference in premium I added both. I got 25k in business property coverage, not that I even own that much equipment, 1 mil in liability along with some other odds and ends for $340 a year! I was kinda worred after reading what others were paying. And the difference between offering drop/pickup and mobile was a whopping $15 a year!

 

[Methodical]

Better safe than sorry. Please read the terms and conditions though, so that you know what's really covered and what's not really covered. It doesn't mean a bowl of beans whatever she may have said - only the written terms and conditions matter.

Al

 

[parttimer]

I have the policy info, but as with most insurance it is gobblydegook to me!

 

[jsgntulok]

I have the policy info, but as with most insurance it is gobblydegook to me!

If the policy is "gobbledegook" to you, then all the more reason to read carefully and get further assistance if needed to fully understand what is covered, but most importantly, what is not covered.

 

[FUNX650]

I have the policy info, but as with most insurance it is gobblydegook to me!

Kudos....On obtaining the "detailing insurance"!

As mentioned: Make sure you know what you have.
(A company clerk probably assembled the policy from computer print-outs of coverage and form numbers).
_________________________________________________

From a ruling by the Washington State Supreme Court:
Boeing Co. v. Aetna Cas. And Sur. Co.,
113 Wn.2d 869, 887-88, 784 P.2d 507 (1990):

"The industry knows how to protect itself and it knows how to write exclusions and conditions. Nothing the carrier writes into a policy should be ignored, or considered accidental."
_________________________________________________

Bob

 

[Calendyr]

Usually the way insurrance works is this:

If it's likelly to happen, it won't be covered. I was told by many people that anything that is your fault is not covered either. So if you damage a vehicle or anything like that, there is usually a clause that exempt the insurrance company from having to pay. Read your contract very carefully.

 

[oldmodman]

Insurance in most states is legally required to get a business license.

All the insurance ever seems to do is give the right to file a lawsuit against them after they refuse to cover whatever loss you claim.